The insurance company will only pay for the coverage purchased by the insurance holder, which can sometimes leave an injured driver to pay for medical expenses or repairs out of their own pocket.
In some cases, those expenses can be recovered through filing suit with an experienced personal injury lawyer.
If you are uninsured, Louisiana has a rule called the No-pay, No-play statute that might prevent you from collecting from an at-fault driver’s insurance company.
For information on Louisiana’s No-pay, No-play statute, see “How Will Louisiana’s No-Pay, No-Play Statute Affect My Compensation for an Automobile Accident?“
Motorcycle accidents are typically governed by basic negligence laws. Louisiana is a pure comparative negligence state, which means that any award may be reduced if a judge or jury finds that the injured party was in any part responsible for the accident or injuries. This means that if one party is found to be 25% at fault for the accident, any damages or recovery for injuries will be reduced by 25%.
Comparative negligence can lead to an extensive evidentiary showing to prove the percentage of each party’s fault, and an experienced Louisiana motorcycle accident attorney becomes imperative in these situations.
After an accident, evidence of the actual cause and resulting damages will be of utmost importance not only to insurance companies but also to a judge and/or jury.
An experienced motorcycle accident attorney will help you obtain the important pictures of the scene of the accident, damages, and injuries. Your attorney can also work with the insurance companies and police departments on your behalf.
A well-trained attorney will also compile an accident file where they will collect important documents, such as the accident report, photos, witness statements and contact information, medical bills, records of lost wages, and records of repairs.
Before purchasing a motorcycle, make sure you have a clear understanding of the potential hazards, your legal responsibilities, rights and who you can turn to if you are involved in an accident. The experienced motorcycle accident attorneys at
Smiley Law can guide you through the process and help defend your rights.